OMNIASIG Travel insurance (Safe Travel)

Covers emergency medical costs (outpatient, hospitalization, surgery, prescribed medicines, transport to nearest medical unit) generated by accident or illness during travel abroad. According to the insurer's travel-insurance comparison source, Safe Travel offers configurable limits up to 100,000 EUR, exceeding the 30,000 EUR minimum required by EU Regulation 810/2009 for Schengen visa policies, and limits between 50,000 EUR and 100,000 EUR for worldwide (non-Schengen) destinations. The IPID itself does not specify a per-tier breakdown of these amounts.

Emergency medical treatment costs including consultations, diagnostics, surgery and hospitalization required by an acute emergency situation during travel abroad, covered within the overall medical assistance sum insured per selected tier (30,000–100,000 EUR). OMNIASIG reserves the right to limit hospitalization coverage to the point when the insured's condition allows repatriation.

Hospitalization costs are covered within the overall emergency medical assistance sum insured. The specific hospitalization sublimit is not separately stated in the IPID; it is subsumed within the total medical sum per tier. For domestic (Romania) travel under Section II (Personal Accidents), a fixed daily allowance of 100 RON/day applies for a maximum of 5 continuous hospitalization days.

Outpatient services including consultations, diagnostics, lab tests and prescribed treatments covered within the overall emergency medical assistance sum insured. For domestic travel (Romania) under Section II, outpatient medical services are covered up to a sublimit of 1,000 RON.

Emergency dental treatment (acute pain, dental fractures, infections) is covered within the overall medical expense limit chosen, without a separate dental sublimit. Aesthetic, orthodontic and routine dental treatments are excluded.

Transport to the nearest medical unit and possible transfer to a specialized medical unit, covered within the overall emergency medical assistance sum insured. Also includes economy class transportation costs for an escort accompanying unaccompanied minor children (sublimit 1,000 EUR) and economy class return ticket for a spouse/relative visit during hospitalization exceeding 10 consecutive days.

Medical repatriation to Romania or to the nearest appropriate hospital, arranged exclusively by OMNIASIG through OMNIASIG ASSISTANCE. Repatriation expenses incurred without prior approval from OMNIASIG are excluded. The IPID does not specify a separate sum insured or sublimit for repatriation.

Transportation of the insured's earthly remains to their domicile in Romania in case of death during travel abroad is included within the emergency medical assistance section. The IPID does not specify a separate sum insured or sublimit for this benefit.

Search and rescue as a standalone coverage is not explicitly provided or mentioned in the IPID or official product page for Safe Travel (Abroad). The policy covers emergency medical assistance, repatriation and transport to the nearest medical unit, but does not specifically reference independent search and rescue operations.

COVID-19 is not explicitly listed as an excluded risk. As an acute illness manifesting for the first time during the trip, it would fall within the general emergency medical assistance coverage. However, if an epidemic was declared in the destination country prior to the insured's arrival, it is excluded. Coverage is therefore conditional on the epidemic not being declared before arrival.

Emergency medical assistance required due to pre-existing conditions is covered only when necessary to save the insured's life or to relieve acute pain, up to a sublimit of 1,000 EUR for trips outside Romania (telemedicine consultations for domestic trips in Romania). All other treatment for pre-existing or chronic conditions is excluded.

The IPID does not describe a separate winter-sports or ski-holiday package, nor state any related sums insured. According to the insurer's travel-insurance comparison source, skiing (like mountaineering and diving) is an extreme sport that requires an additional extension and is not included in the standard Safe Travel coverage.

Sports other than those explicitly specified in the Policy are excluded; the IPID does not provide a specific list of covered recreational sports or related limits. According to the insurer's travel-insurance comparison source, extreme sports such as skiing, mountaineering (alpinism) and diving require an additional extension and are not included in the standard Safe Travel coverage.

Acute complications of pregnancy are covered only in the first 30 weeks of pregnancy and only for medical procedures strictly necessary to save the life of the mother and/or child. Normal pregnancy, childbirth (including voluntary termination), and complications after week 30 are excluded.

Covers the insured's tort liability for direct material damages (property damage and/or bodily injury) caused to third parties during travel abroad, according to the law and jurisprudence of the country visited. Claims must be reported within 30 calendar days of the end of the trip. Excludes moral damages, contractual liability, liability from vehicle/drone/animal use, fines, and judgments from US/Canadian courts. The specific coverage limit varies by tier (not stated in the IPID; the retail product page confirms personal liability is included).

Covers costs incurred by the insured in civil proceedings related to recovery of damages (bodily injury and/or death) caused by a third party during travel in the insured territory. OMNIASIG must pre-approve any legal action. Excludes proceedings in Romania, claims against transport companies/travel agencies, claims notified after 30 days from the incident, and claims by the insured in a capacity other than as a private individual.